Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$36,629Cash toward the purchase price.
Closing costs + prepaids$10,316Not just lender fees.
Before credits & paid funds$46,945The complete starting cash picture.
Estimated remaining funds due at closing
$46,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,628.93
Your down payment$36,628.93
Closing costs + prepaids$10,315.60
Total buyer cash needed$46,944.53
Remaining funds due$46,944.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,939.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$367.50
Prepaid interest, first (18 days)$783.11
Fees + prepaids$10,315.60
Your down payment is the seller’s equity. You take over the $257,370 balance, so the rest of the $293,999 price is paid at closing. A second mortgage can cover part of it. $46,944.53 is due at closing. Uses and sources reconcile at $304,314.60 each. Not a Closing Disclosure.